International Journal of Research in Business and Social Science

In this research paper we investigated the determinants likely to influence the adoption of mobile banking services, with a special focus on under banked/unbanked low-income population of Pakistan. The adoption of mobile banking services has been a strategic goal, both for banks and telcos. For this purpose, Technology Acceptance Model (TAM) was used, with additional determinants of perceived risk and social influence. Data was collected by surveying 372 respondents from the two largest cities (Karachi and Hyderabad) of the province Sindh, in Pakistan using judgement sampling method. This study empirically concluded that consumers’ intention to adopt mobile banking services was significantly influenced by social influence, perceived risk, perceived usefulness, and perceived ease of use. The most significant positive impact was of social influence on consumers’ intention to adopt mobile banking services. The paper concluded with discussion on results, and several business implications for the banking industry of Pakistan.

The relationship between leader and followers plays a vital role, particularly in educational institutions where a keen understanding of human character and high level of social interaction ought to be facilitated. For this reason, in stark contrast to contemporary leaders who see people only as units of production or expendable resources in a profit and loss statement, servant leadership focuses on meeting the needs of followers, making them reach their maximum potential and so perform optimally in order to achieve organizational goals and objectives. This study examines the effects of servant leadership behaviors of private college principals on teachers’ organizational citizenship behavior and job performance. Using 300 respondents from the private education institutes in Turkey, servant leadership behavior is examined for its indirect effects on organizational citizenship behavior and job performance by its impact on organizational justice. Organizational justice acts as a mediator between the variables in question. All the results are in support of the studied mediation effects. Implications of the findings and suggestions for future research are discussed.

he aims of the study at using AHP (Analytic Hierarchy Process) are two-fold. First, the study aims to determine the relative importance or weight of multiple criteria and its attributes in the decision problem of location selection. The second aim of the study is to identify a location with the highest potential among alternatives for retailers by using a series of criteria and attributes determined. By the means of the AHP method, decision makers put weighted values to the evaluation criteria with respect to the related goal and the attributes with respect to the corresponding criteria. In addition, the priority weight for every location alternative on each criterion and attribute is estimated. The AHP process involves hierarchically structuring decision problem, setting priority weights, establishing a judgment matrix and weight vector, and then ranking the order of location alternatives. To substantiate the feasibility of this standard approach, a case study is conducted with location selection for a clothing store in this study.

Women’s entrepreneurship is important for women’s position in society, and for economic development of a country. Many scholars pointed out that women faces diverse challenges in doing business in a patriarchal society like Bangladesh. Women are now involved in economic activities than in the past, women constitute around 10 percent of the country's total business entrepreneurs. The present study is an effort to find out the factors which act as pull and push factors to engage women in entrepreneurship development in Bangladesh. In this study mixed method approach has been chosen. To attain the objective of the research researchers relied solely on the secondary sources. The study revealed that Government agencies provide policy, legal and financial support with active support from non-State actors. On the contrary, they do not get proper support from all relevant institutions because of corruption and lack of information. It is suggested that combined initiatives of Government and non- government institutions will be successful in meeting the needs of business women in Bangladesh.

In order to meet increased demand for services, municipalities are compelled to use their resources in a most efficient manner. The regular collection of revenues in municipalities, while making expenditures in  most efficient ways depend on the healthy functioning of the budget and accounting and the financial control system correspondingly. In is necessary for municipalities to continuously control the balance of incomes and expenses, determining and eliminating the negativities in this balance. For this purpose, financial analyses and management ratios are needed. With the financial analyses made, a financial control system may be established in a municipality and used for management purposes. Municipalities which continuously produce information by means of financial control, will be able to take corrective measures in line with these information, take expenditure decreasing measures by determining which items cause the increases and decreases in incomes and expenditures and undertake income increasing procedures. For this purpose, financial analysis varieties were mentioned in the study and a practice made by the Beylikdüzü Municipality  for the analysis of financial statements, obtained as a result of the accrual based accounting system, in public institutions included herein.


 
 
 Academic engagement used to refer to the extent to which students identify with and value schooling outcomes, and participate in academic and non-academic school activities. This study aims to investigate the academic engagement and satisfaction from the school among the university students. The data is taken from the undergraduate students in School of Transportation & Logistics in Istanbul University. We used a questionnaire that consisted of two parts. First part of the questionnaire is about to measure the students’ academic engagement that is improved by Schaufeli et al. Second part of the questionnaire is about to measure the students’ satisfaction from the school. K-means cluster analysis is used to determine two groups of students, group the students in to two clusters based on their school satisfaction scores. We named these two groups as “satisfied” and “unsatisfied” students. Secondly we investigate the relationships between the satisfaction scores and the academic engagement. By means of T Test we investigate whether the academic engagement differs between the clusters that are determined according to the students’ satisfaction scores. Finally we found that academic engagement differs according to the identified clusters.
 
 

The study aims to examine the effects of oil price and exchange rate on unemployment in Malaysia. The empirical analysis commence by analyzing the time series property of data. The Johansen VAR-based co-integration technique was applied to examine the long run relationship between exchange rate, oil price and unemployment and found the long run relationship does exist. The vector error correction model was performed to check the short run dynamics and found that the short run dynamics are influenced by the estimated long run equilibrium. Granger causality was done and found that oil price does not affect unemployment but exchange rate has an influence on unemployment. Therefore, putting the exchange rate under control should be implemented to control unemployment.


 
 
 The last several years have seen an increase in the number of direct to consumer advertisements by pharmaceutical companies. Direct to Consumer advertisements (DTC) means targeting the end consumer through advertisements on television, radio, in newspapers, magazines, and the Internet. The qualitative study presents data and supports the need for a future quantitative study to ask physicians and consumers their opinions on whether pharmaceutical companies should be allowed to advertise directly to the end consumer. This article reviews the literature on this controversial topic, supporting the need to explore the reserach questions in greater detail. A review of the literature suggests there is financial motivation on the part of the pharmaceutical companies to increase their sales by advertsing directly to the end consumer as opposed to performing an educational service to the consumer.
 
 


 
 
 This study aims to investigate the impact of determinants of shift work on job satisfaction in service sector organizations of Pakistan. History reveals that the invention of Thomas Edison brought the change in working environment and industrial revolution results in the birth of shift works. A great number of theories in Management are there to define Job satisfaction. All of them show the relationship between ability to perform and the productivity. In order to investigate their impact descriptive study is taken in to account in which survey research method is used to collect data. On the basis of quantitative analysis this study reveals that determinants of shift work has positive impact on job satisfaction. Finally recommendations are made to increase shift work in service sector organizations of Pakistan so that people may upraise their standards of living.
 
 


 
 
 The purpose of this article is that discuss the reasons of European debt crisis. Every European country adopts austerity policy, which cannot solve government debt problems and further lead to economic exacerbation and continuous recession, based on the neoclassical economic theory. In order to realize the root of European debt crisis, this article adopts the reaseach method of fiscal sociology. In this study, we think that the government debt problem is the result of economic profits conflict based on the Fiscal Sociology. The economic profits conflict of investment, consumption, international business and labor market will have influence on the government’s revenue and expenditure. Furthermore, the root of the European debt crisis is the uneven income distribution by financialization and neoliberalism.